RuPay Classic Debit Card
This card can be issued to all Customers under any category of account types Savings, Overdraft, Current.
Eligibility for Applying for PSB Debit Cards
All the Branches can issue Debit Cards to Customers whether ATM is attached with the branch or not.
- All Customers including Minor and illiterate are eligible for applying Debit Cards.
- Savings accounts with cheque book facility/ Current accounts/ Over Draft accounts in individual capacity are eligible for issue of Card.
- In case of joint accounts, Debit Cards are issued to single
- Customer operating the account.
- Accounts operated by joint signature or account of a minor or an account in which a minor is a joint account holder are also eligible.
- Existing ATM Debit Card holder can also apply for Rupay Debit card, their existing card in that account, if any, would be blocked at the time of issue of Rupay Card.
- Only one card can be issued to a particular account.
Type of Debit Cards
PSB issues both Non - Personalized and Personalized cards to the customers
Non Personalized Cards
Non personalized cards are issued immediately. The customer needs to apply for the card and request for activation through the Branch. These cards come along with the welcome kit.
Personalized Cards
ATM cum Debit cards are issued with card holder’s name embossed on the face of card in the active state. PINs & Cards are issued separately & are dispatched to the branches on different dates & through different courier.
Features of Debit Cards
- Banks’ ATMs for withdrawing cash
- POS and E-commerce channels for making merchant and online payments.
The following facilities are provided at our ATMs
The following facilities are provided at our ATMs
- Cash Withdrawal/Balance enquiry/ Mini statement/ PIN Change in ATMs
- Aadhaar seeding through ATM
- OD facility for PMJDY customers through ATM
- Mobile Banking registration through ATMs
- Daily ATM cash withdrawal limits of Rs.25000/- per day.
- A separate daily limit of Rs. 1, 00,000/- is available for POS + e-commerce transactions.
Type of Debit Cards Issued by The Bank
RuPay PMJDY Card
RuPay PMJDY Card is issued for Customer under Financial Inclusion under prestigious Prime Minister Jan Dhan Yojana (PMJDY) scheme. This is a Debit Card of classic variant. This card is issued only to Customers under Financial Inclusion scheme.
RuPay KISAN Credit Card (KCC)
The Kisan Credit Card (KCC) is an effective instrument for making agricultural credit available to the farmers of country. This facility is applicable for Cash Credit accounts (CC) only and the credit limit depends upon the quantity of land a particular customer is having.
RuPay PUNGRAIN Arhtia Card
Pungrain RuPay Card is another variant of RuPay Debit Card and shall have all the features of RuPay Debit card which shall be issued to Arhtias in Punjab State registered under Punjab Grain Co-orporation (PUNGRAIN). These Cards are issued on CC & CA accounts only.
RuPay PUNGRAIN Miller Card
Pungrain RuPay Miller Card is also of RuPay variant having similar features like Pungrain Arhtia Card, however issued to Millers in Punjab State registered under Punjab Grain Co-orporation (PUNGRAIN). These Cards are issued on CC & CA accounts only.
RuPay MUDRA Card
Micro Units Development and Refinance Agency (MUDRA) has been launched as a new financial institution with the objective of extending credit to the millions of small/ micro units which are outside the banking fold. This MUDRA has designed a credit product called “MUDRA Card” which will provide credit to borrower in the form of cash credit/ overdraft, which can be operated through RuPay Mudra Debit Card. This Card is issued for MUDRA scheme only.
Master Debit Cards
Bank introduced Master Debit Card in classic variant, an international co-brand of MasterCard in January 2014. This Debit Card can be used in ATM & POS network anywhere around the world. This card can be issued to all Customers under any category of account types Savings, Current.
Sailent Features And Limits Of Debit Cards
These Debit Cards can be used on any Banks’ ATMs for withdrawing cash and used at POS and E-commerce channels for making merchant and online payments.
Cardholder can avail below facilities using Debit Cards:
- POS transactions at merchant establishments for purchases
- Cash Withdrawal/Bal enquiry/ Mini statement/ PIN Change in ATMs
- Direct Tax payment through ATM
- Aadhaar seeding through ATM
- OD facility for PMJDY customers through ATM
- Mobile Banking registration through ATM
- POS transactions at merchant establishments for purchases
- Online bill payments and ticket bookings (e-commerce)
Facilities available on use of RuPay & Master Debit Cards:
- These cards have a daily ATM cash withdrawal limits of Rs.25000/- per day.
- A separate daily limit of Rs. 1, 00,000/- is available for POS + e-commerce transactions.
